University of Phoenix Loan Forgiveness Program: What You Need to Know

So you went to the University of Phoenix but now you’re stuck with a mountain of student loan debt and no degree to show for it. Yeah, that sucks. But here’s the good news: the Department of Education recently announced a new student loan forgiveness program specifically for former University of Phoenix students. If you qualify, you could get a big chunk – or even all – of your loans forgiven. In this article, we’ll walk you through everything you need to know about this program, from who’s eligible to how much relief you can get to how you can apply. For once, it looks like the government is actually trying to throw you a bone. Let’s dig into the details so you can see if this new lifeline can help you get out from under that crushing debt once and for all.

An Overview of the University of Phoenix Loan Forgiveness Program

The University of Phoenix Loan Forgiveness program offers relief for qualified former students struggling with student loan debt. To be eligible, you must have attended the University of Phoenix between November 1, 2012 to October 31, 2015 and have federal student loans in default that were used to attend the school during that time period.

  • Loans that qualify include Federal Family Education Loan (FFEL) Program loans, William D. Ford Federal Direct Loan (Direct Loan) Program loans, and Federal Perkins Loans. Private student loans are not eligible.
  • If accepted into the program, 100% of the outstanding balance of your defaulted federal student loans, including collection costs, will be forgiven. Your eligibility for future federal student aid will also be reinstated.
  • To apply, you need to submit an application that includes personal information, details about the federal student loans in default, and University of Phoenix enrollment dates. The application period is open for two years from the date of the program announcement.
  • If your application is approved, the U.S. Department of Education will pay off the outstanding balance of your defaulted federal student loans. Your student loan default status will be removed from your credit report, repairing any damage to your credit.

This opportunity provides real financial relief and a fresh start for many former University of Phoenix students. The program helps remove the burden of student loan debt and the barriers it creates. If you attended the school during the eligibility period, it’s worth looking into this program to see if you qualify. Every bit of assistance helps when paying for college.

Eligibility Requirements for University of Phoenix Loan Forgiveness

To qualify for University of Phoenix loan forgiveness, you’ll need to meet a few requirements.

First, your loans have to be federal student loans like Stafford or Grad PLUS loans – private loans don’t qualify. You must have been enrolled at University of Phoenix during the years covered under the program, usually the past 4 years.

Second, you must be employed full-time, at least 30 hours a week. The job has to be in a public service field like government, education, public health, social work or the military. Non-profits and some charities may also qualify.

Third, you have to make 120 monthly loan payments while working in public service. These don’t have to be consecutive but at least one payment must be made after October 2007. Payments made before that date won’t count.

Finally, your loans have to still have a remaining balance. If you’ve already paid off your University of Phoenix loans, you won’t receive any forgiveness.

Income Requirements

Your income also has to be below a certain amount to qualify for the program. The limits depend on your family size and the state you live in. In general, if your income is over $80,000 per year for a single person, you probably won’t meet the income requirements. For a family of four in most states, the cutoff is around $120,000.

If you meet all these criteria, you can apply for the University of Phoenix loan forgiveness program. The process typically takes 6-18 months to complete. Staying on top of the requirements and paperwork is key to getting the maximum amount of your loans forgiven.

How to Apply for University of Phoenix Loan Forgiveness

To apply for University of Phoenix loan forgiveness, you’ll need to submit an application for the “Borrower Defense to Repayment” program. This program discharges federal student loans for students whose schools misled them or engaged in other misconduct.

Gather Evidence of Misrepresentation

First, gather any evidence you have that University of Phoenix misled you or engaged in misconduct. This could include:

  • Advertisements, flyers, or emails showing promises of job placement or salary outcomes that didn’t happen.
  • Transcripts, course catalogs, or student handbooks with inaccurate program descriptions.
  • Statements from professors or advisors about job prospects that turned out false.

Fill Out the Application

Next, fill out the Borrower Defense to Repayment application on the Federal Student Aid website. On the application, you’ll provide information like:

  • Your name, address, Social Security number and date of birth.
  • The dates you attended University of Phoenix.
  • The programs you were in and degrees or certifications you earned (if any).
  • A statement describing how the school misled you or engaged in misconduct. Explain specifically what they did and how it impacted you. Attach any evidence you have to support your claim.
  • Information on the federal student loans you want forgiven. This includes loan types, disbursement dates, and current balances.

Submit and Monitor Your Application

Finally, submit your completed application with all supporting documents. The Department of Education will review your application and evidence to determine if your loans qualify for forgiveness. This can take several months to over a year.

Check the status of your application regularly on the Federal Student Aid website. If approved, your University of Phoenix loans will be discharged and you won’t need to make any more payments on them. If denied, you will receive a notice explaining why and may need to provide additional evidence to support your claim before reapplying.

The Loan Forgiveness Process and Timeline

The loan forgiveness process can take time, so start as early as possible. The following steps will walk you through what you need to do to apply for and receive loan forgiveness through the University of Phoenix.

Applying for Forgiveness

To apply for loan forgiveness, you’ll need to submit an application for the program you’re eligible for, either Public Service Loan Forgiveness (PSLF) or Teacher Loan Forgiveness (TLF). The applications require information like your employment verification, loan details, and tax information. Be prepared to provide documentation to support the information in your application.

Once you submit your application, it will be reviewed to confirm your eligibility. This typically takes 6 to 8 weeks. You’ll receive notification letting you know if your application was approved or if additional information is needed. Don’t get discouraged if your application is denied the first time, as this is common. You can resubmit with additional supporting documentation.

Monitoring Your Progress

After your application is approved, your loans will be transferred to FedLoan Servicing, the PSLF servicer. You should set up an account on to track your progress toward forgiveness. Your employment will need to be verified annually or when you change jobs. Submit an Employment Certification Form and income documentation for each year of employment to ensure you remain on track.

Receiving Forgiveness

Once you’ve made 120 qualifying payments, your loans will be forgiven. FedLoan Servicing will review your payments and employment history one final time. If all requirements are met, your outstanding balance will be forgiven. The amount forgiven is not taxable under current tax law.

The road to loan forgiveness can be long, but by diligently submitting the necessary paperwork, tracking your progress, and sticking with the program, you can achieve freedom from your student loan debt. Staying on top of the details from the beginning will help ensure there are no surprises along the way. With patience and persistence, you’ll get there!

Frequently Asked Questions About University of Phoenix Loan Forgiveness

You probably have a lot of questions about the University of Phoenix loan forgiveness program. Here are some of the most frequently asked questions and answers:

What loans qualify for forgiveness?

Federal student loans like Stafford, Grad PLUS, and consolidation loans are eligible for forgiveness through University of Phoenix. Private student loans are not eligible.

How much can be forgiven?

The amount forgiven depends on your program of study and when you attended. University of Phoenix will forgive between 25 to 100 percent of eligible federal student loans. The forgiveness percentage is higher for those who attended between 2004 to 2010.

Do I qualify for loan forgiveness?

To qualify, you must have attended University of Phoenix between 2004 to 2021 and federal student loans that are still outstanding. You must not be in default on your loans. University of Phoenix will determine your eligibility based on when you attended and your program of study.

How do I apply for University of Phoenix loan forgiveness?

Applying is straightforward. You will need to submit an application on the University of Phoenix website, providing information like your student loan details, University of Phoenix enrollment dates, program of study, etc. University of Phoenix will review your application and verify your eligibility. If approved, they will notify your student loan servicers who will then apply the loan forgiveness to your balances.

Is University of Phoenix loan forgiveness taxable?

No, according to current tax laws, the amount of student loan forgiveness received from University of Phoenix is not considered taxable income. Your loan forgiveness amount will not be reported to the IRS or increase your tax liability. However, tax laws are subject to change, so verify the latest rules regarding student loan forgiveness taxation.

University of Phoenix is taking responsibility for issues in the past and providing much-needed relief for former students struggling with student loan debt. Their loan forgiveness program can eliminate a sizable portion of your federal student loans. Be sure to apply as soon as possible to take advantage of this opportunity.


So there you have it. The University of Phoenix loan forgiveness program basics and what you need to know to take advantage of it. Don’t wait, get your application in now. You’ve worked hard to get your degree, despite what others may say about the school, and you deserve a break. Loan forgiveness means more money in your pocket each month to spend on the important things in life like family, hobbies, and chasing your dreams. The government made this program for a reason, to help people in your exact situation. Why not benefit from it? Apply today and start planning what you’ll do with that extra cash each month. You’ve earned it! Now go out there and keep achieving great things. The world is yours for the taking.

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